Call reports 2003
WOODFORD STATE BANK — 2003
What WOODFORD STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 95,908,000 | 100,220,000 | 103,619,000 | 106,205,000 |
| Total loans | 78,038,000 | 83,133,000 | 85,701,000 | 89,316,000 |
| Allowance for loan losses | 771,000 | 800,000 | 801,000 | 804,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,731,000 | 2,914,000 | 3,613,000 | 4,704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,134,000 | 90,120,000 | 93,223,000 | 95,553,000 |
| Interest-bearing deposits | 76,393,000 | 80,303,000 | 83,056,000 | 84,417,000 |
| Noninterest-bearing deposits | 9,741,000 | 9,817,000 | 10,167,000 | 11,136,000 |
| Equity capital | 7,444,000 | 7,701,000 | 8,053,000 | 8,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,884,000 | 4,391,000 | 5,905,000 |
| Interest expense | 532,000 | 1,061,000 | 1,567,000 | 2,061,000 |
| Net interest income | 891,000 | 1,823,000 | 2,824,000 | 3,844,000 |
| Noninterest income | 143,000 | 381,000 | 649,000 | 919,000 |
| Noninterest expense | 637,000 | 1,286,000 | 1,951,000 | 2,589,000 |
| Provision for loan losses | 36,000 | 72,000 | 112,000 | 253,000 |
| Pretax income | 361,000 | 846,000 | 1,410,000 | 1,921,000 |
| Income tax | 137,000 | 327,000 | 539,000 | 733,000 |
| Net income | 224,000 | 519,000 | 871,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,444,000 | 7,701,000 | 8,053,000 | 8,168,000 |
| Total capital | 8,215,000 | 8,501,000 | 8,854,000 | 8,972,000 |
| Risk-weighted assets | 67,912,000 | 72,366,000 | 75,083,000 | 76,950,000 |
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